I never understand why more people don't spend an hour or two to make thousands of dollars more a year, without risk. Here are some recent high paying money markets and CDs with easy penalties where you can stash your cash.

Lazy Portfolios are simple, low cost portfolios that just keep trouncing the sophisticated portfolios. Paul Farrell of MarketWatch tracks eight Lazy Portfolios and, not to brag, but my son's second grader portfolio is in first place. Is a Lazy Portfolio right for you?